PJSC "BANK URALSIB" - results of reorganization and potential of shares

The collective investment industry is experiencing rapid growth today. This is largely due to the fact that Russians have learned to use such financial instruments as mutual funds. They managed to attract the attention of investors and become a popular product due to their availability and good profitability. Today, purchasing shares has become a convenient, fast, and most importantly, a familiar procedure. However, choosing a truly profitable fund still causes difficulties for clients. To avoid losses, it is wise to choose time-tested URALSIB mutual funds for investment.

URALSIB mutual funds: what makes them remarkable

Mutual investment funds are a convenient tool for investing in various assets: stocks, bonds, foreign currencies, precious metals, etc. To purchase shares, you do not need to have significant funds, have in-depth knowledge of the financial market, or monitor the dynamics of securities quotes on a daily basis. It is enough to choose a reputable management company that has successfully handled its responsibilities for a long time, which is what URALSIB Management Company is. Today it offers investors 10 mutual funds, focused on different investment strategies and profitability levels.

URALSIB Bank offered its first mutual investment funds to clients back in 1999. It was the Open Investment Fund Industry Investments, which successfully celebrated its 20th anniversary. Currently, it is called Growth Shares and brings quite a decent income to shareholders.

Other advantages of URALSIB investment funds include:

1. Variety of investment strategies.
2. Professional portfolio management.
3. High liquidity of shares.

Why is it profitable to invest in URALSIB mutual funds

In an environment of constantly decreasing interest rates on deposits, placing money on deposit does not provide tangible financial benefits, since all profits are eaten up by inflation. Investing in mutual funds allows you to increase your savings without having the skills to trade in the financial market. But in order to achieve the desired result, you need to choose a reliable management company with good recommendations.

Features of mutual funds

URALSIB Management Company not only has the necessary professional skills, but also guarantees an individual approach to the client. For the convenience of shareholders, she developed a Portfolio Constructor - a tool that allows you to select a mutual fund based on the client’s personality characteristics. A suitable product is selected based on the amount and period of investment, the age and education of the shareholder, as well as experience in using various financial products.

Tariffs and instruments

Both individuals and legal entities can register on the broker's website. Each option has its own possibilities. Even the main page of the portal is divided according to the types of accounts offered. The investment portfolio offered by URALSIB is a combination of cash investments, global equities and fixed income instruments such as bonds. Portfolios are sometimes rebalanced to ensure optimal investment returns.

The following URALSIB tariffs are offered to all traders:

• 15 best - created for new clients, residents and non-residents of the Russian Federation. The tariff plan does not imply the removal of a commission if the trade turnover does not exceed 500 thousand rubles per month. If the turnover exceeds this amount, the commission will be 0.0708%.
• Basic. This tariff plan allows you to perform trading operations for various amounts per month. For residents of the Russian Federation, commissions range from 0.0472% to 0.0236%. For non-residents of the Russian Federation - from 0.0519% to 0.0259%.
• Daily – suitable only for transactions with commission payment per day. The circulation of money is not limited. For residents of the Russian Federation, commissions range from 0.0472% to 0.0212%. For non-residents of the Russian Federation - from 0.0512% to 0.0233%.

Also in the “Tariffs” column you can find other tariffs for the stock, foreign exchange, derivatives market and additional services.

Comment by EMONEYHUB: Unfortunately, there is too much information in this column, it will not be possible to understand it right away. Many clients are confused about tariffs, perceiving the “Top 15” as an example of the best tariff plan, without reading the information to the end. Basically, everyone is looking at the absence of commissions, but, unfortunately, this tariff allows you to make transactions only on the stock market with shares of the Moscow Exchange.

Types of mutual funds

The product line of the URALSIB management company is wide. Detailed information about all products of the management company can be found here. We will give a brief description of the most attractive mutual investment funds.

Growth stocks

Oldest investor The fund is aimed at conservative investors who prioritize the ability to protect their savings from inflation above all else. The management company solves this problem by purchasing shares of dynamically developing companies. Preference is given to securities with an investment horizon of 3 years or more. At this time interval, the open mutual investment fund showed a profitability of 29%.

Mutual Fund asset structure Growth shares

Conservative

The fund invests in bonds of the largest Russian issuers, with a high probability of fulfilling their obligations to pay coupon income. The potential profitability of the URALSIB Conservative Mutual Fund is higher than that of most bank deposits. Over the past year, it has brought investors about 12%.

Conservative

First

It is not for nothing that open mutual investment fund bears this name: it is one of the oldest domestic investments. funds. He earned the popularity of shareholders thanks to a win-win investment strategy - investing in blue chip stocks. Fund structure: shares of metallurgical (20%), oil production and processing (50%) Russian companies. The securities of these enterprises have been continuously growing in price in recent years and give investors of the Mutual Fund First URALSIB a profit of up to 22%.

Structure of assets of Mutual Fund First

Professional

Already from the name it is clear that the fund is aimed at experienced investors who know how to balance the risks and profitability of investments. OPIF's aggressive strategy consists of active trading in highly liquid shares of Russian companies. The risk is compensated by purchasing bonds from reliable issuers. More than 30% of the fund's structure consists of blue chip shares, 13-17% each of government bonds and securities of credit institutions.

The Professional Mutual Fund URALSIB copes with its task of providing shareholders with returns above the market average. Investor profit last year was 13%.

Professional

Natural resources

Invest. the fund is suitable for shareholders who prefer to invest in securities of issuers specializing in the extraction and processing of raw materials. The portfolio of the Mutual Fund URALSIB Natural Resources contains approximately equal shares of Russian and foreign companies - industry leaders. Thanks to this, the return on investment in the fund over the past year was 21%.

Mutual Fund asset structure Natural resources

Precious metals

Last year, this mutual fund showed the best return - 45%. Success was achieved through competent asset management. Management Fund Mutual Fund URALSIB Precious Metals invested in shares of Russian and foreign companies engaged in the mining of gold, platinum, and rare earth metals. Purchasing shares of this fund is a reliable way not only to protect savings from inflation, but also to increase them.

Precious metals

Energy perspective

The mutual fund is tailored to the interests of investors who are ready for high risk and high income. The fund's aggressive strategy involves active trading in shares of companies in the energy sector. Competent asset management and a lucky break last year brought investors of the Open Investment Fund almost 19% profit. If fortune continues to be favorable to shareholders, the fund’s profitability will be even higher.

Mutual Fund asset structure Energy perspective

Comparative analysis

When comparing Uralsib with other banks trading on the market, its low capital adequacy ratio immediately catches the eye. Among the banks presented below, it is the smallest. As for other indicators, the bank looks very undervalued in terms of everything except ROE.

However, if you remove such industry leaders as Sberbank, VTB and Tinkoff from the comparison, the picture becomes better.

In comparative analysis, the P/E ratio is best used to evaluate a bank. In the banking industry it is the most relevant. The industry average P/E is 6.27, Uralsib’s is 1.97, so the fair price is 0.22 rubles per share. At the current price of 0.0679 rubles, the potential is 225%.

Expected profitability and cost of mutual funds

Despite attractive investment results, management company clients need to remember that past success is no guarantee of high future returns. The profitability of an investment depends on a number of factors:

• market conditions;
• political situation;
• competent and timely decisions of the manager.

To minimize risks and not lose invested funds, it is wise to buy shares of several funds with different investment strategies. In this case, the negative dynamics of one URALSIB mutual fund are compensated by the high profitability of another.

URALSIB: scammers or a decent option for traders

When choosing a company to make money with a Forex broker, you should pay attention to some important things.
For example, this concerns licensing. The best forex brokers make sure that they are licensed by one of the major regulatory authorities. A broker that is licensed and regulated is much safer. All their operations are controlled by an independent body that will take into account the interests of traders and strive to maintain honesty and transparency of the business. But even having a license does not stop top Forex brokers from committing fraud against traders. For example, the company URALSIB, which is trying to get into all the ratings of forex brokers in Russia, may well turn out to be unreliable. But it is not yet possible to say for sure whether URALSIB is a fraud or not.

URALSIB Capital LLC provides brokerage services to Russian and international clients. These include:

• research;
• private investment advice;
• brokerage operations on the stock market and Internet trading.

The company also provides client brokerage services such as:

• government and corporate Eurobonds;
• over-trade purchase and sale of corporate debt instruments;
• structured products based on ruble bonds;
• REPO transactions with ruble instruments and Eurobonds;
• analytical reviews of the debt instruments market;
• consultations on the formation of investment portfolios of debt instruments.

In addition, the broker provides corporate finance and equity capital products and services such as:

• mergers and acquisitions;
• private placements;
• public offers;
• convertible bonds and other derivatives issues;
• LBO and MBO transactions.

EMONAYHUB comment: URALSIB Capital was previously called Nikoil Brokerage Company, and in 2005 it changed its name to the current one. The company is based in Moscow. URALSIB Capital LLC operates as a subsidiary of URALSIB Financial Corporation OJSC.

Comparative table of profitability of mutual funds URALSIB

To analyze the performance of a management company, it is convenient to use graphs of changes in the value of a share for a selected period: month, quarter, half-year, year. Since investing in the URALSIB mutual fund is long-term, it makes sense to study the dynamics of indicators over the past 1-3 years. Particularly meticulous investors can get acquainted with information on the profitability of mutual funds, the value of net assets and prices per share here.

Comparative table of profitability of mutual funds URALSIB

How to buy a share: detailed instructions

To start investing in mutual funds, you need to follow the instructions below:

1. Register your personal account on the official URALSIB website. Users who are registered on the government services portal can use this account. The rest will have to enter personal and passport data manually.
2. Choose a suitable investment. fund.
3. Determine the investment amount.
4. Deposit funds into your current account.
5. Submit a request to transfer funds to a brokerage account and purchase the required number of shares.

All investment operations in the URALSIB mutual fund can be carried out online without visiting the bank’s office.

Review of the URALSIB broker website

Even despite the huge number of tools and products offered, the broker's website seems completely frivolous and overly simple. But all the necessary information is clearly distributed for easy searching. From all the data on the site you can find the following:

• domain name: uralsibbroker.ru;
• registration information: creation date - 12/28/2015; update date: 05/07/2020.
• information about the license: issued by the Bank of Russia;
• information about the registration address and owners of the exchange: owner - URALSIB Broker LLC; registration address: Moscow, st. Efremova, 8, 119048;
• contact information: , accounts on Facebook, Instagram.

To open an account, click on the appropriate button. But instead of standard registration, traders are offered the opportunity to install the QUIK platform and create an account there. You will need to enter:

• floor;
• FULL NAME;
• natural or legal person;
• Date and place of birth;
• citizenship;
• taxpayer identification number;
• all details of the identity document;
• full address;
• phone numbers;
• E-mail address.

At the end, you will be asked to come up with a complex password and send all saved data to the server. After this, the trader will be able to log into his personal account at uralsibbroker.ru, make a deposit and start forex trading.

Reviews

On specialized websites there are polar opinions about mutual funds. Some consider them a profitable investment, while others consider them a deliberately unprofitable event. The truth is that profits are made only by shareholders who have taken the time to carefully study the fund’s performance and the agreement with the management company.

Reviews of URALSIB mutual funds can be found on portals dedicated to financial services, for example, Banki.ru. Most shareholders are inclined to believe that the correct choice of investment strategy ensures a comfortable level of return on the fund. And obtaining a profit above the market is a consequence of fortunate circumstances, and not the merit of the management company.

Helpdesk and Security

The broker can be contacted in several ways to answer inquiries and resolve problems. The website has a web form that can be filled out, or alternatively there is an email address that can be used by anyone who has a specific QUIK trading platform request, or any trader who has a support request. The site also has phone numbers. But those who want a quick answer to their question will have to come to terms with the fact that there is simply no real-time online chat that can be easily accessed through the home page of other forex brokers 2021 .

If you think about security, traders will not find any information. But there is a lot of information about technical failures, due to which many investors lost their money. Since this was allegedly an error in the operation of the platform, the URALSIB broker simply declines all responsibility for returning funds to the victims.

EMONEYHUB comment: There is also information on the network about the bankruptcy of URALSIB Bank, which led to some difficulties in the work of the broker.